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A 590 credit score is considered sub-prime and in this market those loans are long gone. The only shot you have is an FHA loan. You may see different companies advertise of there new programs but most of them will not be able to deliver.
Not every broker has the ability to do an FHA loan, so make sure you pick a local reputable FHA approved lender. The only thing that may make a difference is a large 401K or your job stability.
Also try to get your FICO score as high as you can. A couple of easy tips to improve your scores are making sure any credit card balances don’t exceed 60% of the credit line.
I’m trying to say spread your debt around or pay it off so none of your credit cards go over 60%. Instead on pay only minimum payment pay 20% more and your credit scores will improve.
Kirt Eure
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I am very happy your honesty , planning and deviation about your work which are the basic of every success.
Thanks!
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